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by Skippy
Sun Jan 28, 2018 4:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hypothetical Mortgage Question Post BR
Replies: 8
Views: 3896

It's good to see some familiar faces and I hope everyone is doing OK. It's good to know I can still get good advice here and, if it comes to it, I'll let you know how I get on. I think it's a way off yet as, although Mum's estate is almost sorted, the DWP investigation could take a while as it's a b...
by Skippy
Fri Jan 26, 2018 3:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hypothetical Mortgage Question Post BR
Replies: 8
Views: 3896

Thanks Ryan, we're waiting to find out whether the DWP has a claim on the estate for overpayment of pension credits. Once that's sorted I'll know what we can do and I'll be in touch.
by Skippy
Fri Jan 26, 2018 2:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hypothetical Mortgage Question Post BR
Replies: 8
Views: 3896

I doubt if many people remember me now, but hi to anyone who does! I'm a bit out of touch and I'm after some advice. My Mum died last year and I stand to inherit some money, which may or may not be enough to pay off our mortgage. The mortgage is interest only so if we can't pay it in full we would h...
by Skippy
Sun Mar 01, 2015 9:37 pm
Forum: Ask IVA Forum and Industry experts
Topic: I need a car to get to and from work. I've been given a warning about my timekeeping.
Replies: 4
Views: 1787

If I didn't have a car I'd either be so early I couldn't get into the office or else I'd be late and I don't live in the sticks!
by Skippy
Tue Feb 24, 2015 8:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Last payment made
Replies: 12
Views: 2905

Congratulations Country Girl and Dancer!
by Skippy
Thu Feb 19, 2015 9:37 pm
Forum: friends corner
Topic: Footy's back........Hooraaaay!!
Replies: 228
Views: 40780

I'm hoping Van Gaal can turn things around but I'm not sure. Looking at the players at United now they should be playing attractive football, not the dull long ball game they are playing at the moment.
by Skippy
Mon Feb 16, 2015 9:32 pm
Forum: friends corner
Topic: Footy's back........Hooraaaay!!
Replies: 228
Views: 40780

I'm watching Man Utd struggling to beat Preston and wondering how it all went so wrong!
by Skippy
Sun Feb 15, 2015 6:58 pm
Forum: friends corner
Topic: hello
Replies: 6
Views: 1729

Good to hear from you Chas and good luck with your new venture x
by Skippy
Sun Feb 15, 2015 5:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Will we be allowed to apply for credit when BR is removed from our credit file ?
Replies: 4
Views: 1941

The BR will be removed automatically from your credit file 6 years from the date of the BR order.
by Skippy
Wed Jan 14, 2015 11:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Joint Bank Account
Replies: 11
Views: 1794

We waited until my BR had dropped off my credit files and then opened a joint account without any problems (Nationwide FlexPlus account). I'd banked with Nationwide throughout my BR so we chose them rather than risk anyone else.
by Skippy
Mon Jan 12, 2015 3:35 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it better for me to bite the bullet and go bankrupt ?
Replies: 26
Views: 3418

Viki, who is one of the experts from the BR site, offers free advice on all your options and can also help with your BR petition.

Good luck
by Skippy
Mon Jan 12, 2015 2:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it better for me to bite the bullet and go bankrupt ?
Replies: 26
Views: 3418

I disagree about having to notify the OR after 12 months - the wording changed shortly after I went bankrupt in 2007. I was on the original 12 month wording but people who went BR shortly after me had to notify the OR for the duration of the IPA. Banquo, you can also take a look at the sister BR sit...
by Skippy
Mon Jan 12, 2015 12:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Is it better for me to bite the bullet and go bankrupt ?
Replies: 26
Views: 3418

Without knowing the full full details it's very difficult to say whether BR would be the right option for you and I agree with Foggy, it would be good to take advice from one of the smaller companies like McCambridge Duffy. If you do have to make a payment into an IPA you will pay all of your dispos...
by Skippy
Mon Dec 22, 2014 7:54 pm
Forum: friends corner
Topic: New card with previous creditor?
Replies: 13
Views: 4831

Unfortunately sometimes a credit card is a necessity. When we went to the U.S. last year we needed one for car hire, petrol and the hotel.

Tesco was one of my creditors and I now have a credit card with them.
by Skippy
Thu Dec 04, 2014 2:06 pm
Forum: friends corner
Topic: Last Payment.
Replies: 11
Views: 3783

Congratulations, that's brilliant news!
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